Swipe Smart. Save Big. Choose Your Perfect Credit Card!
At CardMela.com, we bring you a curated collection of India’s top credit cards from leading banks and issuers — all in one place. Whether you’re a frequent shopper, a travel enthusiast, a fuel saver, or someone looking for premium lifestyle privileges, our comprehensive catalog is designed to help you find the perfect match for your financial goals.
Looking for lifetime free cards? Need a card that offers maximum cashback on online shopping? Or perhaps you want one with airport lounge access and international privileges? We’ve categorized every card to make your search seamless. You can also filter cards based on your income, credit score, or spending habits.
All Credit Cards – Choose & Apply Instantly
AU Bank Zenith Credit Card
★★★★☆ (4/5)
*Waiver on spends over ₹50,000/year
Benefits:
Up to 5% Cashback
₹1,000 Welcome Bonus
₹500 Fuel Waiver/month
Lounge Access
Dining Discounts
₹999 Annual Fee (waived*)
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹999 Annual Fee (waived*), ₹500 Late Fee approx.
AU Bank Lit Credit Card
★★★★☆ (4/5)
*Best for users who want full control over their card benefits
Benefits:
Customize benefits as per your needs
Up to 5% Cashback on selected categories
Choose from Lounge Access, Fuel Waiver, OTT Subscriptions
Real-time benefit switching via AU 0101 App
₹49/month feature pack (only when used)
Eligibility:
₹20,000/month income, Credit Score 700+
Fees:
Zero Joining Fee, ₹49/month if feature pack activated, No hidden charges
AU Bank Business Credit Card
★★★★☆ (4/5)
★★★☆☆ (3.8/5)
*Designed for entrepreneurs and small business owners
Benefits:
Up to 2% Cashback on business spends
₹500 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹200/month
Free Add-on Cards
RuPay Offers & UPI Credit Card Compatibility
Eligibility:
₹25,000/month income, Self-employed or Business Owners, Credit Score 700+
Fees:
₹499 Annual Fee (waived on ₹40,000 annual spend), ₹500 Late Payment Fee approx.
AU Bank Vetta Credit Card
★★★★☆ (4.2/5)
Ideal for frequent travelers and premium lifestyle users
Benefits:
4 Complimentary Airport Lounge Access/Quarter (Domestic & International)
₹2,000 Worth Welcome Vouchers
Milestone Benefits up to ₹10,000/year
Buy 1 Get 1 Movie Offer (up to ₹250/month)
Fuel Surcharge Waiver up to ₹250/month
Eligibility:
Minimum ₹50,000/month income
Recommended Credit Score 750+
Fees:
₹2,999 Annual Fee (waived on ₹1.5 lakh annual spend)
₹2,999 Joining Fee (waived on ₹40,000 spend in 90 days)
Late Payment Fee up to ₹700 approx
AU Bank Altura Credit Card
★★★★☆ (4/5)
Best for cashback seekers and occasional travelers
Benefits:
5% Cashback on all spends (up to ₹3,000 per month)
₹1,000 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹500 per month
Complimentary Airport Lounge Access (2 visits per year)
Dining & Entertainment Discounts
No Joining Fee & No Annual Fee
Eligibility:
Minimum ₹20,000/month income
Recommended Credit Score 700+
Fees:
No Joining Fee, No Annual Fee
Late Payment Fee approx ₹500
AU Bank Altura + Credit Card
★★★★☆ (4.5/5)
Ideal for frequent travelers and premium lifestyle users
Benefits:
2% Cashback on all spends (up to ₹5,000/month)
₹2,000 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹500/month
Complimentary Airport Lounge Access (4 per year)
Dining & Entertainment Discounts
No Joining Fee & No Annual Fee
Eligibility:
Minimum ₹30,000/month income
Recommended Credit Score 750+
Fees:
No Joining Fee, No Annual Fee
Late Payment Fee ₹500 approx
AU Bank Instapay Credit Card
★★★★☆ (4.5/5)
Ideal for digital payment enthusiasts and frequent UPI users
Benefits:
1% Cashback on UPI transactions (maximum ₹100 per billing cycle)
1% Fuel Surcharge Waiver on transactions ₹400–₹5,000 (maximum ₹100 per billing cycle)
Lifetime Free Card (No Joining Fee, No Annual Fee)
Contactless & Secure Payments
Instant UPI Payments through linked UPI apps
Easy linking with Google Pay, PhonePe, and Paytm
Eligibility:
Age 18-70 years, Minimum ₹1,00,000 annual income, Credit Score 750+, India resident, existing AU Bank customers
Fees:
No Joining or Annual Fee, Late Payment Fee ₹150–₹1,000 based on balance
AU Bank Xcite Ace Credit Card
★★★★☆ (4/5)
Ideal for moderate spenders seeking cashback and lifestyle perks
Benefits:
3% Cashback above ₹20,000 spends/month (max ₹750)
4 complimentary lounge visits (domestic airports & railways) quarterly
Fuel surcharge waiver ₹400–₹5,000 (max ₹200/month)
1-year device protection and up to 30% dining discount
Eligibility:
₹25,000/month income, Credit Score 750+, Existing AU Bank customers
Fees:
Lifetime Free (No Joining or Annual Fee), Late Fee ₹150–₹1,000
AU Bank Xcite Ultra Credit Card
★★★★☆ (4.5/5)
Ideal for high spenders seeking maximum rewards and travel benefits
Benefits:
Up to 3% rewards on international spends (12 RP/₹100)
2 complimentary domestic airport lounge visits per quarter
2 complimentary railway lounge visits per quarter
1% fuel surcharge waiver on transactions ₹400–₹5,000 (max ₹200/month)
500 bonus RP on ₹5,000+ retail spends between 1st–5th of month
5,000 bonus RP on ₹2.5L annual retail spend
Eligibility:
Minimum ₹25,000/month income, Credit Score 750+, Existing AU Bank customers
Fees:
Lifetime Free (No Joining or Annual Fee), Late Fee ₹150–₹1,300 based on outstanding balance
Federal Bank Scapia Credit Card
★★★★☆ (4/5)
*Best for frequent online & international spenders
Benefits:
Unlimited 2% Rewards on all spends
Zero Forex Markup
Complimentary Airport Lounge Access
No Joining or Annual Fee
Instant Card Issuance via App
Eligibility:
₹20,000/month income, Credit Score 700+
Fees:
No Annual Fee, No Joining Fee, ₹0 Forex Markup
HDFC Bank Millennia Credit Card
★★★★☆ (4/5)
*Ideal for online shoppers & frequent spenders
Benefits:
5% Cashback on Amazon, Flipkart, Swiggy, Zomato
1% Cashback on all other spends
8 Complimentary Lounge Access (per year)
₹1,000 Welcome Benefit
EMI & SmartBuy Offers
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹1,000 Annual Fee (waived on ₹1L annual spend), ₹500 Late Payment Fee approx.
HDFC Bank Regalia Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
HDFC Bank Diners Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.2L/month; Self-employed: ITR > ₹15L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
HDFC Bank Infinia Credit Card
★★★★☆ (4.2/5)
Best for luxury lifestyle and global frequent flyers
Benefits:
5 Reward Points per ₹150 spent (1 RP = ₹1)
Unlimited airport lounge access (Priority Pass)
Complimentary Club Marriott, golf & concierge benefits
No forex markup
Highest credit limit & exclusive rewards
Eligibility:
Invite-only; usually ₹3L+ monthly income
Fees:
₹12,500 Annual Fee (waived on ₹10L spend), Late Fee ₹100–₹1,300
HDFC Bank Swiggy Credit Card
★★★★☆ (4.2/5)
Best for online food delivery & casual dining
Benefits:
10% cashback on Swiggy
5% on online shopping (Zomato, Netflix, etc.)
1% on other spends
₹500 Swiggy voucher on activation
Zero joining fee in promo
Eligibility:
Salaried: ₹25K/month; Self-employed: ITR > ₹6L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
HDFC Bank MMT Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
HDFC Bank Indian Oil Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
HDFC Bank Multi Forex Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
HDFC Bank IRCTC Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
HDFC Bank Marriott Bonvoy Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
Silver Elite Status + 1 Free Night Award (worth 15K pts)
8 pts/₹150 at Marriott hotels, 4 pts on travel/dining
Lounge access: 12 domestic + 12 international/year
Milestone bonus up to 10,000 pts
Eligibility:
Salaried: ₹1,00,000 per month
Self-employed: ITR above ₹15,00,000 per year
Fees:
₹3,000 annual fee + GST
Interest: 3.6% per month
Late payment fee: ₹100–₹1,300 (based on due amount)
HSBC Bank Visa Platinum Credit Card
★★★★☆ (4.1/5)
Best for no-fee rewards & salaried pros
Benefits:
No joining/annual fee
2 points per ₹150 spent
5X points on spends > ₹4L/year (max 15,000 bonus)
Points transferable to air miles/hotel points
₹500 Amazon voucher on ₹5,000 spend
Fuel surcharge waiver ₹3,000/year
Up to 3.5% forex cashback (limited time)
Eligibility:
Age 18–65
Salaried with ₹4L+ annual income
Residents of major metros only
Fees:
No joining/annual fee
3.49% monthly interest
₹100–₹1,300 late fee
ICICI Coral Credit Card
★★★★☆ (4.2/5)
Best for movie lovers & frequent travelers
Benefits:
2 reward points per ₹100 spent
25% off on 2 movies/month via BookMyShow & INOX
1 free domestic lounge + 1 railway lounge access quarterly
1% fuel surcharge waiver at HPCL
Exclusive dining offers & chip-enabled security
Eligibility:
Age 21–58 years (salaried)
Minimum ₹15,000 monthly income
Fees:
Joining fee ₹500 + GST
Annual fee ₹500 + GST (waived on ₹1.5L annual spend)
ICICI Bank Forex Prepaid Credit Card
★★★★☆ (4.3/5)
Ideal for frequent international travelers
Benefits:
Multiple currencies on a single card
Free replacement card in case of loss or theft
Comprehensive travel insurance coverage
Secure transactions with 3D Secure and Chip & PIN technology
Emergency cash delivery services available
Eligibility:
Valid passport required
A2 Form and PAN card necessaryICICI Bank
Fees:
Joining fee: ₹499 + GST
Annual fee: Nil
Reload fee: ₹100 per transaction
ICICI Bank Saphiro Forex Prepaid Credit Card
★★★★☆ (4.5/5)
Ideal for premium international travelers seeking exclusive benefits
Benefits:
Zero mark-up fee on cross-currency transactions
5% cashback on airline & hotel bookings online (max ₹3,000/month)
2 complimentary international lounge accesses per year
₹1,000 Uber e-Gift Card
International Student Identity Card (ISIC) membership worth ₹999
Card Protection Plus insurance worth ₹1,600
Eligibility:
Valid passport required
A2 Form and PAN card necessary
Fees:
Joining fee ₹2,999 + GST
Annual fee Nil
Reload fee ₹100 per transaction
ICICI Bank Expressions Forex Credit Card
★★★★☆ (4.5/5)
Ideal for premium international travelers
Benefits:
Personalized card design
₹15,000 joining benefits
Zero cross-currency markup
5% cashback on airline & hotel bookings (max ₹3,000/month)
2 free international lounge accesses/year
₹1,000 Uber e-Gift Card
ISIC membership worth ₹999
Card Protection Plus insurance worth ₹1,600
Eligibility:
Valid passport required
A2 Form and PAN card necessary
Fees:
Joining fee ₹2,999 + GST
Annual fee Nil
Reload fee ₹100 per transaction
ICICI Bank Mine Goibibo Credit Card
★★★★☆ (4.3/5)
Best for frequent travelers aur Goibibo users
Benefits:
Goibibo par domestic flights par flat 6% instant discount (up to ₹800)
Goibibo par domestic hotels par flat 7% instant discount (up to ₹5,000)
Zomato, Swiggy, Amazon, PVR, BookMyShow, Myntra, MakeMyTrip, Ola, BigBasket par 5% cashback
Fuel surcharge waiver at HPCL pumps
Complimentary airport aur railway lounge access eligibility ke hisaab se
Eligibility:
Salaried ya self-employed professionals
Minimum monthly income ₹15,000
Fees:
Joining fee ₹500 + GST
Annual fee ₹500 + GST (waived on ₹1.5L annual spend)
ICICI Bank Student Forex Prepaid Credit Card
★★★★☆ (4.5/5)
Ideal for students studying abroad
Benefits:
Joining benefits ₹5,000 including 1 Indian International lounge access
Free Uber voucher ₹500
1 monthly ATM fee waiver
Free replacement card
ISIC membership worth ₹999
Card Protection Plus insurance ₹1,600
Lost card liability coverage up to ₹5,00,000
Eligibility:
Valid passport required
A2 Form and PAN card necessary
Fees:
Joining fee Nil
Annual fee Nil
ICICI Bank HPCL Credit Card
★★★★☆ (4.4/5)
Best for regular fuel and utility bill payments
Benefits:
5% cashback on HPCL fuel via ICICI POS or HP Pay
5% rewards on utilities and departmental stores
2 reward points per ₹100 on other spends
Movie discount ₹100 twice a month
1 lounge access/quarter on ₹75K spend
₹2L accident cover (RuPay only)
Eligibility:
Age 21–65 years
Salaried or self-employed with good credit score
Fees:
Joining fee ₹500 + GST
Annual fee ₹500 + GST (waived on ₹1.5L spend)
ICICI Bank Make My Trip Credit Card
★★★★☆ (4.5/5)
Best for frequent travelers booking via MakeMyTrip
Benefits:
₹1,000 MakeMyTrip voucher on joining
Up to 6% myCash on MakeMyTrip bookings
1% myCash on other retail spends
8 domestic and 1 international lounge access per year
MMTBLACK Gold membership
0.99% forex markup
Buy 1 Get 1 movie ticket offer (up to ₹150, twice a month)
3 months no-cost EMI on MakeMyTrip bookings
Eligibility:
Indian resident with a stable income
Good credit history
Fees:
Joining fee ₹999 + GST
Annual fee ₹999 + GST (waived on ₹3L annual spend)
ICICI Bank Platinum Corporate Credit Card
★★★★☆ (4.1/5)
Best for no-fee rewards & salaried pros
Benefits:
2 complimentary domestic lounge accesses per quarter
2 complimentary international lounge accesses per year
1% fuel surcharge waiver at all petrol pumps
Up to 50 days interest-free credit
Dedicated relationship manager
Advanced spend tracking and ERP integration
Choice of liability options and consolidated billing
Eligibility:
Age 18–65
Salaried with ₹4L+ annual income
Residents of major metros only
Fees:
No joining/annual fee
3.49% monthly interest
₹100–₹1,300 late fee
ICICI Bank Times Black Credit Card
★★★★★ (5/5)
Best for ultra-premium lifestyle and travel perks
Benefits:
₹10K EaseMyTrip voucher + ₹10K visa benefit
Zomato Gold, Quorum Club, Klook & Ayatana perks
Luxury gift cards (Toni&Guy, Tata CLiQ, Interflora)
Unlimited airport lounge access
2.5X rewards on international, 2X on domestic spends
Eligibility:
Invite-only for high-income individuals
Fees:
Joining fee ₹20,000 + GST
Annual fee ₹20,000 + GST (waived on ₹25L spend)
ICICI Bank Visa Corporate Credit Card
★★★★☆ (4.3/5)
Best for corporate expense management with travel perks
Benefits:
Up to 50 days interest-free credit
1% fuel surcharge waiver
2 complimentary domestic lounge accesses per quarter
2 complimentary international lounge accesses per year
Cash rebate program for organizations
ERP integration and consolidated billing
Dedicated relationship manager
Eligibility:
Corporate employees or authorized signatories
Subject to company’s internal approval process
Fees:
Joining fee Nil
Annual fee ₹999 + GST
ICICI Bank Manchester United Credit Card
★★★★☆ (4.3/5)
Best for Manchester United fans and frequent travelers
Benefits:
Manchester United branded merchandise on joining
Buy 1 Get 1 free movie tickets (up to ₹100)
1 complimentary domestic lounge access per quarter
Up to 3 reward points per ₹100 on domestic spends
Up to 6 reward points per ₹100 on international spends
1% fuel surcharge waiver at HPCL pumps
Eligibility:
Indian resident with a stable income
Good credit history
Fees:
Joining fee ₹499 + GST
Annual fee ₹499 + GST (waived on ₹1.25L annual spend)
ICICI Bank Parakram Credit Card
★★★★☆ (4.3/5)
Best for defence personnel with exclusive rewards and benefits
Benefits:
1 reward point per ₹100 on all spends
5X reward points on grocery, department stores, and CSD (up to 1000 points/month)
1 domestic lounge access per quarter
1% fuel surcharge waiver
Eligibility:
Available exclusively for Indian Defence and Paramilitary personnel
Subject to ICICI Bank’s internal approval process
Fees:
Joining fee Nil
Annual fee Nil
ICICI Bank Amazon Pay Credit Card
★★★★☆ (4.5/5)
Ideal for frequent Amazon shoppers and users of Amazon Pay services
Benefits:
5% cashback on Amazon.in for Prime members
3% cashback on Amazon.in for non-Prime members
2% cashback on 100+ Amazon Pay partner merchants
1% cashback on all other spends
No limit or expiry on cashback
No joining or annual fee
1% fuel surcharge waiver
Earnings credited as Amazon Pay balance
Eligibility:
Invite-only for eligible ICICI Bank customers
Fees:
Joining fee: ₹0
Annual fee: ₹0
IDFC First Bank Ashva Credit Card
★★★★☆ (4.2/5)
Best for travelers & lifestyle users
Benefits:
₹500 cashback on 4 transactions
5X rewards up to ₹20K/month, 10X on higher spends & birthdays
4 domestic + 2 international lounge visits/quarter
Golf perks & 1% forex markup
Movie discount & hotel booking offers
Eligibility:
Select customers, bank approval required
Fees:
Joining ₹2,999 + GST
Annual ₹2,999 + GST (waived on ₹8L spend)
IDFC First Bank Classic Credit Card
★★★★☆ (4.5/5)
Best for lifetime-free card with good rewards
Benefits:
₹500 gift voucher on ₹5,000 spend within 30 days
5% cashback on first EMI (up to ₹1,000)
3X reward points on UPI spends
10X points on spends above ₹20,000/month & birthdays
1% fuel surcharge waiver
25% off on movie tickets (up to ₹100/month)
4 railway lounge visits per quarter
₹2L personal accident cover
Eligibility:
Annual income ₹3L+
₹5,000 spend within 30 days for welcome benefits
Fees:
Joining fee ₹0
Annual fee ₹0
IDFC First Bank Select Credit Card
★★★★☆ (4.5/5)
For premium lifestyle users
Benefits:
₹500 voucher on ₹5,000 spend
5% cashback on 1st EMI
3X points on UPI spends
10X points on ₹20K+ spends & birthdays
1% fuel surcharge waiver
Buy-1-Get-1 movies (2x/month)
4 domestic + 4 railway lounges quarterly
₹10K trip cancellation cover
1% forex markup
Eligibility:
₹12L+ annual income
Indian resident, good credit score
Fees:
Joining ₹0
Annual ₹0
IDFC First Bank Millennia Credit Card
★★★★☆ (4.5/5)
Best for millennials with perks
Benefits:
₹500 voucher on ₹5,000 spend
5% cashback on 1st EMI
3X points up to ₹20K spends
10X points on ₹20K+ spends & birthdays
1% fuel surcharge waiver
25% off on movies
4 railway lounge visits quarterly
₹2L accident cover
Eligibility:
₹3L+ annual income
Indian resident, good credit score
Fees:
Joining ₹0
Annual ₹0
IDFC First Bank HPCL Credit Card
★★★★☆ (4.5/5)
Best for fuel & utility savings
Benefits:
₹250 cashback on 1st HPCL fuel spend
5% cashback on 1st EMI
Up to 5% rewards on grocery & utilities
5% rewards on FASTag recharge
3X rewards on UPI & retail spends
₹2L accident cover
1 free lounge visit per quarter
25% off on movies
Eligibility:
₹3L+ annual income
Indian resident, good credit score
Fees:
Joining ₹199 + GST
Annual ₹199 + GST (waived on ₹50K+ spend)
IDFC First Bank Forex Credit Card
★★★★☆ (4.5/5)
Best for forex and lifestyle benefits
Benefits:
₹500 voucher on ₹5,000 spend
5% cashback on 1st EMI
3X points on UPI spends
10X points on ₹20K+ spends & birthdays
1% fuel surcharge waiver
2x BOGO movie tickets (₹250 off)
4 railway lounge visits quarterly
₹10K trip cancellation cover (twice/year)
1% forex markup
Eligibility:
₹3L+ annual income
Indian resident, good credit score
Fees:
Joining ₹0
Annual ₹0
IndusInd Bank Rupay Platinum Credit Card
★★★★☆ 43/5
Best for lifetime free UPI card with rewards and insurance
Benefits:
₹0 joining and annual fee
2x reward points on UPI spends
1x reward point on other spends
1% fuel surcharge waiver
₹25L air accident insurance
Travel insurance cover
Fraud protection up to credit limit
UPI linking with GPay PhonePe Paytm BHIM
Points redeemable for cashback and miles
Eligibility:
Minimum monthly income ₹20000
Available for new and existing IndusInd Bank customers
Fees:
Joining fee ₹0
Annual fee ₹0
IndusInd Bank Legend Credit Card
★★★★☆ 40/5
Best for weekend spenders wanting luxury perks without annual fees
Benefits:
₹0 annual fee
2x rewards on weekends 1x on weekdays
4000 bonus points on ₹6L annual spend
1% fuel surcharge waiver
1.8% forex markup
Buy 1 get 1 free movies (₹200/month)
Concierge and auto-assist services
Contactless chip card
Lifetime free card
Eligibility:
Age 21 to 65 years with minimum monthly income ₹20000
For salaried or self-employed with good credit score
Fees:
Joining fee ₹9999 one-time
Annual fee ₹0 with interest and late payment fees applicable
IndusInd Bank Easy Diner Credit Card
★★★★☆ (4.5/5)
Best for frequent diners wanting max discounts
Benefits:
₹0 joining & annual fee
12-month EazyDiner Prime membership
2,000 bonus EazyPoints + ₹5,000 hotel voucher
10x rewards dining/shopping, 4x on others
3x EazyPoints on app bookings
25% off ₹1,000 dining via PayEazy
2 airport lounges quarterly + 2 movie tickets/month
1% fuel surcharge waiver
Unauthorized transaction insurance
Eligibility:
Age 18–65, Indian resident
Salaried/self-employed with good credit score
Fees:
Joining & annual fee ₹1,999 each
Interest & late payment fees applicable
IndusInd Bank Travel Forex Credit Card
★★★★☆ (4.5/5)
Best for international travelers seeking fee-free multi-currency prepaid card
Benefits:
Zero currency conversion charges
Zero ATM withdrawal fees up to 2 per month per currency
Zero processing and issuance fee (temporary offer)
Online usage enabled
3 years validity
Multi-currency support including USD EUR GBP
Free airport transfer worth ₹1,000
Discounts on travel experiences and wire transfers
Eligibility:
Indian resident aged 18+
Valid passport and visa required
Fees:
Joining fee ₹0 (temporary offer)
Annual fee ₹0
RBL Bank Shoprite Credit Card
★★★★☆ (4.2/5)
Best for regular Shoprite shoppers wanting cashback and discounts
Benefits:
5% cashback on shopping at Shoprite stores
10% discount on dining and entertainment
1% fuel surcharge waiver
Exclusive access to sales and offers
Contactless payment enabled
Eligibility:
Indian resident aged 21-60
Minimum annual income ₹3 lakhs
Fees:
Joining fee ₹499
Annual fee ₹499 waived on spending ₹50,000/year
YES Bank POP Club Credit Card
★★★★☆ (4.5/5)
Best for young shoppers and frequent UPI users
Benefits:
Earn 10 POPcoins per ₹100 online spends
2 POPcoins per ₹100 offline spends
5% extra POPcoins on UPI via POP app
Welcome gifts: 500 POPcoins, Zomato Gold, PharmEasy Plus, Cleartrip ₹750 voucher, Cult Sport ₹500 voucher, 24 free Rapido rides
1% fuel surcharge waiver and travel discounts
Eligibility:
Age 21–60 years, salaried or self-employed
Minimum monthly income ₹25,000 or annual ITR ₹5 lakh
Fees:
Joining fee ₹0
Annual fee ₹399 (waived on ₹1.5 lakh spends)
Tata Neu HDFC Credit Card
★★★★★ (5/5)
Best for Tata brand loyalists seeking high rewards
Benefits:
5% NeuCoins on Tata Neu & partner brands
1.5% NeuCoins on non-Tata spends & UPI
1% fuel surcharge waiver
Domestic lounge access: 2 per quarter
Priority Pass for international lounges
Contactless payments enabled
Welcome benefit: 1,499 NeuCoins on first transaction
Renewal fee waiver on ₹3L annual spend
Eligibility
Salaried: 21–60 years, ₹25,000/month income
Self-employed: 21–65 years, ₹6L annual income
Indian resident, KYC compliant
Fees
Joining fee: ₹0 (First Year Free)
Annual fee: ₹1,499 + GST (waived on ₹3L annual spend)
Foreign currency markup: 2%
Tata Neu HDFC Plus Credit Card
★★★★☆ (4.5/5)
Best for Tata brand fans wanting high rewards
Benefits:
2% NeuCoins on Tata Neu & partner brands (non-EMI spends)
1% NeuCoins on non-Tata brand spends & EMI transactions
1% NeuCoins on UPI spends via RuPay (max ₹500/month)
Additional 5% NeuCoins on Tata Neu App/Website with NeuPass
Welcome benefit: 499 NeuCoins on first transaction within 30 days
4 complimentary domestic lounge visits per year (1 per quarter)
1% fuel surcharge waiver (up to ₹250/month)
Eligibility
Salaried 21–60 years with ₹25,000+ monthly income
Self-employed 21–65 years with ₹6 lakh+ annual income
Fees
Joining fee ₹499 + GST
Annual fee ₹499 + GST waived on ₹1 lakh annual spend
Axis Bank Ace Credit Card
★★★★☆ (4.3/5)
Ideal for cashback seekers and frequent online spenders
5% cashback on bill payments & recharges via Google Pay
4% cashback on Swiggy, Zomato & Ola
1.5% cashback on other spends
4 complimentary domestic lounge visits/year
1% fuel surcharge waiver (₹400–₹4,000 transactions, max ₹500/month)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹499 Joining Fee (waived on ₹10,000 spend in 45 days), ₹499 Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
Axis Bank Atlas Credit Card
★★★★☆ (4.5/5)
Ideal for frequent travelers and high spenders
Benefits:
5 EDGE Miles/₹100 on travel spends, 2 EDGE Miles/₹100 on other spends
Complimentary domestic & international lounge access
Milestone benefits up to 5,000 EDGE Miles
1% fuel surcharge waiver (₹400–₹4,000 transactions)
Eligibility:
Salaried individuals with ₹1L/month income, Credit Score 750+
Fees:
₹12,500 Annual Fee (waived on ₹25L spend/year), Late Fee ₹100–₹1,300
Axis Bank Airtel Credit Card
★★★★☆ (4.2/5)
Ideal for Airtel users and utility bill payers
Benefits:
25% cashback on Airtel mobile, broadband & DTH payments
10% cashback on utility bill payments via Airtel Thanks app
1% cashback on other spends
1% fuel surcharge waiver (₹400–₹4,000 transactions, max ₹500/month)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹500 Joining Fee, ₹500 Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
Axis Bank Cashback Credit Card
★★★★☆ (4.0/5)
Ideal for online shoppers seeking cashback
Benefits:
5% cashback on online spends
1% cashback on other spends
1% fuel surcharge waiver (₹400–₹4,000 transactions, max ₹500/month)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹1,000 Joining Fee, ₹1,000 Annual Fee (waived on ₹4L spend/year), Late Fee ₹100–₹1,300
Axis Bank Club Vistara Credit Card
★★★★☆ (4.3/5)
Ideal for frequent flyers with Vistara
Benefits:
1 complimentary Vistara economy ticket as welcome benefit
3 Club Vistara Points/₹200 spent
Milestone benefits up to 3 complimentary tickets/year
Complimentary lounge access
Eligibility:
Salaried individuals with ₹50,000/month income, Credit Score 750+
Fees:
₹1,500 Joining Fee, ₹1,500 Annual Fee, Late Fee ₹100–₹1,300
Axis Bank Flipkart Credit Card
★★★★☆ (4.5/5)
Ideal for Flipkart shoppers and online spenders
Benefits:
5% cashback on Flipkart & Myntra
4% cashback on Swiggy, Uber & PVR
1.5% cashback on other spends
4 complimentary lounge visits/year
1% fuel surcharge waiver (₹400–₹4,000 transactions, max ₹500/month)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹500 Joining Fee, ₹500 Annual Fee (waived on ₹3.5L spend/year), Late Fee ₹100–₹1,300
Axis Bank Select Credit Card
★★★★☆ (4.2/5)
Ideal for premium lifestyle users
Benefits:
10 EDGE Reward Points/₹200 spent
Complimentary lounge access
Milestone benefits up to 5,000 EDGE Points
1% fuel surcharge waiver (₹400–₹4,000 transactions)
Eligibility:
Salaried individuals with ₹50,000/month income, Credit Score 750+
Fees:
₹3,000 Joining Fee, ₹3,000 Annual Fee (waived on ₹6L spend/year), Late Fee ₹100–₹1,300
Axis Bank Forex Credit Card
★★★★☆ (4.1/5)
Ideal for international travelers
Benefits:
Multi-currency card with 16 currencies
6 complimentary ATM withdrawals/year
No issuance, reload & encashment fees
Insurance cover up to ₹3L
Eligibility:
Indian residents traveling abroad, Valid passport & visa
Fees:
₹300 Issuance Fee, ₹100 Reload Fee, ₹150 Encashment Fee
Axis Bank My Zone Credit Card
★★★★☆ (4.0/5)
Ideal for entertainment enthusiasts
Benefits:
Complimentary SonyLIV Premium subscription
Flat ₹120 off on Swiggy (twice a month)
Complimentary lounge access
1% fuel surcharge waiver (₹400–₹4,000 transactions)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹500 Joining Fee, ₹500 Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
Axis Bank Neo Credit Card
★★★☆☆ (3.8/5)
Ideal for beginners and online shoppers
Benefits:
10% off on Myntra, BookMyShow & Zomato
5% off on utility bill payments
1% fuel surcharge waiver (₹400–₹4,000 transactions)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹250 Joining Fee, ₹250 Annual Fee (waived on ₹1L spend/year), Late Fee ₹100–₹1,300
Benefits:
6 EDGE Miles per ₹150 spent at IOCL fuel outlets (up to ₹15,000/month)
2 EDGE Miles per ₹150 on grocery/supermarket spends (up to ₹5,000/month)
1 EDGE Mile per ₹150 on other spends
1% unlimited fuel surcharge waiver
8 complimentary domestic lounge visits/year (2 per quarter)
30% off on Zomato orders (max ₹150/order, twice/month)
500 EDGE Miles as welcome benefit on first transaction within 30 days
EDGE Miles redeemable for fuel or transfer to 15+ airline/hotel partners
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹1,000 Joining & Annual Fee (waived on ₹1L spend/year), Late Fee ₹100–₹1,300
Axis Bank Indian Oil Credit Card
★★★★☆ (4.0/5)
Ideal for moderate fuel spenders and online shoppers
Benefits:
20 EDGE Reward Points per ₹100 spent at IOCL fuel outlets (₹100–₹5,000/month)
5 EDGE Reward Points per ₹100 on online shopping (₹100–₹5,000/month)
1 EDGE Reward Point per ₹100 on other spends
1% fuel surcharge waiver (₹400–₹4,000 transactions, max ₹50/month)
100% cashback up to ₹250 on first fuel transaction within 30 days
10% off on BookMyShow tickets, 15% off on dining via EazyDiner
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹500 Joining & Annual Fee (waived on ₹3.5L spend/year), Late Fee ₹100–₹1,300
SBI Simply Save Credit Card
★★★★☆ (4.0/5)
Ideal for everyday shoppers seeking accelerated rewards on daily essentials
Benefits:
10 Reward Points per ₹150 spent on Dining, Movies, Grocery, and Departmental Stores
1 Reward Point per ₹150 on other spends
2,000 bonus Reward Points on spending ₹2,000 within 60 days of issuance
1% fuel surcharge waiver on transactions between ₹500–₹3,000 (max ₹100/month)
Contactless payments enabled
Reward Points redeemable against outstanding balance or a wide array of gifts
Eligibility
Minimum ₹20,000/month income, Credit Score 700+
Fees
₹499 Joining & Annual Fee (waived on ₹1L spend/year), Late Fee ₹100–₹1,300
SBI Elite Credit Card
★★★★☆ (4.5/5)
Best for premium users seeking luxury travel and lifestyle benefits
Benefits:
₹5,000 welcome e-gift voucher, free movie tickets worth ₹6,000/year, up to 50,000 bonus Reward Points annually, complimentary domestic & international lounge access, lowest forex markup of 1.99%
Eligibility
₹25,000/month income, Credit Score 750+
Fees
₹4,999 Annual Fee (waived on ₹10L spend/year), ₹500 Late Payment Fee approx
SBI IRCTC Platinum Credit Card
★★★★☆ (4/5)
Best for regular train travelers and IRCTC users
Benefits:
10% value back on IRCTC bookings, 350 bonus RP on activation, 8 complimentary railway lounge visits/year, 1% fuel surcharge waiver, low annual fee
Eligibility
₹20,000/month income, Credit Score 700+
Fees
₹500 Annual Fee, ₹500 Late Payment Fee approx
SBI Simply Click Credit Card
★★★★☆ (4.3/5)
Best for online shoppers seeking accelerated rewards on digital spends
Benefits:
10X Reward Points on online spends at partner merchants (Amazon, BookMyShow, Cleartrip, Dominos, Myntra, Netmeds, Yatra, Apollo 24/7)
5X Reward Points on other online spends
1X Reward Point per ₹100 on offline spends
₹500 Amazon gift voucher on payment of joining fee
Cleartrip e-vouchers worth ₹2,000 on annual online spends of ₹1L and ₹2L
1% fuel surcharge waiver on transactions between ₹500–₹3,000 (max ₹100/month)
Eligibility
Minimum ₹20,000/month income, Credit Score 700+
Fees
₹499 Joining & Annual Fee (waived on ₹1L spend/year), Late Fee ₹100–₹1,300
SBI Sprint Cashback Credit Card
★★★★☆ (4.0/5)
Ideal for moderate fuel spenders and online shoppers
Benefits:
10 Reward Points per ₹150 spent on Dining, Movies, Grocery, and Departmental Stores
1 Reward Point per ₹150 on other spends
2,000 bonus Reward Points on spending ₹2,000 within 60 days of issuance
1% fuel surcharge waiver on transactions between ₹500–₹3,000 (max ₹100/month)
Contactless payments enabled
Reward Points redeemable against outstanding balance or a wide array of gifts
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹500 Joining & Annual Fee (waived on ₹3.5L spend/year), Late Fee ₹100–₹1,300
SBI Forex Travel Credit Card
★★★★☆ (4.5/5)
Ideal for high online spenders seeking straightforward cashback rewards
Benefits:
5% cashback on all online spends (excluding specific categories)
1% cashback on offline spends
1% fuel surcharge waiver on transactions between ₹500–₹3,000 (max ₹100/month)
Auto-credit of cashback within 2 days of statement generation
Contactless payments enabled
Worldwide acceptance at over 24 million outlets
Add-on cards available for family members above 18 years
Cash withdrawal from over 1 million VISA ATMs globally
Eligibility
Minimum ₹25,000/month income, Credit Score 750+
Fees
₹999 Joining & Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
SBI BPCL Credit Card
★★★★☆ (4.2/5)
Ideal for regular commuters seeking fuel savings at BPCL outlets
Benefits:
4.25% value back on fuel purchases at BPCL petrol pumps (13X Reward Points: 3.25% + 1% fuel surcharge waiver)
Maximum 1,300 Reward Points per billing cycle on BPCL fuel spends
1% fuel surcharge waiver on transactions up to ₹4,000 (max ₹100/month)
Welcome gift of 2,000 Reward Points on payment of joining fee
Reward Points redeemable for fuel purchases at BPCL outlets
Annual savings equivalent to 70 liters of fuel
Eligibility
Minimum ₹20,000/month income, Credit Score 700+
Fees
₹499 Joining & Annual Fee (waived on ₹50,000 spend/year), Late Fee ₹100–₹1,300
SBI BPCL Octane Credit Card
★★★★☆ (4.5/5)
Best suited for high fuel spenders seeking premium rewards and benefits
Benefits:
6.25% value back on fuel purchases at BPCL petrol pumps (25X Reward Points: 5.25% + 1% fuel surcharge waiver)
Instant redemption of Reward Points at select BPCL petrol pumps
1% fuel surcharge waiver on transactions up to ₹4,000 (max ₹100/month)
Welcome gift of 6,000 Reward Points on payment of joining fee
Complimentary Fraud Liability Cover of ₹1 lakh
Reward Points redeemable for fuel or merchandise from the Shop & Smile Rewards Catalogue
Eligibility
Minimum ₹25,000/month income, Credit Score 750+
Fees
₹1,499 Joining & Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300